The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM COM 023135106 3,591 1,842 SH   SOLE NONE 1,842 0 0
STARBUCKS CORP COM COM 855244109 1,004 15,277 SH   SOLE NONE 15,277 0 0
ISHARES COMEX GOLD TRUST ISHARES 464285105 3,885 257,803 SH   SOLE NONE 257,803 0 0
JOHNSON & JOHNSON COM COM 478160104 2,084 15,895 SH   SOLE NONE 15,895 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 18,255 141,615 SH   SOLE NONE 141,615 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 235 827 SH   SOLE NONE 827 0 0
PROCTER & GAMBLE CO COM COM 742718109 1,535 13,955 SH   SOLE NONE 13,955 0 0
COCA COLA CO COM COM 191216100 2,242 50,687 SH   SOLE NONE 50,687 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 2,514 35,998 SH   SOLE NONE 35,998 0 0
INTEL CORP COM COM 458140100 636 11,752 SH   SOLE NONE 11,752 0 0
CME GROUP INC COM COM 12572Q105 309 1,787 SH   SOLE NONE 1,787 0 0
MEDTRONIC PLC SHS SHS G5960L103 983 10,905 SH   SOLE NONE 10,905 0 0
NETFLIX INC COM COM 64110L106 318 848 SH   SOLE NONE 848 0 0
SPDR DOW JONES GLOBAL REAL ESTATE ETF DJ GLB RL ES ETF 78463X749 244 6,780 SH   SOLE NONE 6,780 0 0
MERCK & CO. INC COM COM 58933Y105 1,544 20,074 SH   SOLE NONE 20,074 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 2,874 11,151 SH   SOLE NONE 11,151 0 0
MASTERCARD INC CL A CL A 57636Q104 244 1,014 SH   SOLE NONE 1,014 0 0
ILLINOIS TOOL WKS INC COM COM 452308109 929 6,541 SH   SOLE NONE 6,541 0 0
ALLSTATE CORP COM COM 020002101 707 7,710 SH   SOLE NONE 7,710 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 309 2,622 SH   SOLE NONE 2,622 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 670 12,479 SH   SOLE NONE 12,479 0 0
PEPSICO INC COM COM 713448108 444 3,702 SH   SOLE NONE 3,702 0 0
KIMBERLY CLARK CORP COM COM 494368103 206 1,612 SH   SOLE NONE 1,612 0 0
HONEYWELL INTL INC COM COM 438516106 1,060 7,928 SH   SOLE NONE 7,928 0 0
FORD MTR CO DEL COM COM 345370860 88 18,344 SH   SOLE NONE 18,344 0 0
HOME DEPOT INC COM COM 437076102 1,601 8,580 SH   SOLE NONE 8,580 0 0
AUTOMATIC DATA PROCESSING INC COM COM 053015103 1,072 7,846 SH   SOLE NONE 7,846 0 0
INFOSYS LTD SPONSORED ADR SPONSORED ADR 456788108 880 107,286 SH   SOLE NONE 107,286 0 0
SOUTHERN CO COM COM 842587107 280 5,187 SH   SOLE NONE 5,187 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 5,154 34,212 SH   SOLE NONE 34,212 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 770 4,214 SH   SOLE NONE 4,214 0 0
ADOBE INC COM COM 00724F101 302 952 SH   SOLE NONE 952 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 957 824 SH   SOLE NONE 824 0 0
PROGRESSIVE CORP OHIO COM COM 743315103 1,245 16,863 SH   SOLE NONE 16,863 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 976 19,317 SH   SOLE NONE 19,317 0 0
MICROSOFT CORP COM COM 594918104 3,203 20,312 SH   SOLE NONE 20,312 0 0
CVS HEALTH CORP COM COM 126650100 202 3,412 SH   SOLE NONE 3,412 0 0
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 544 2 SH   SOLE NONE 2 0 0
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 396 3,008 SH   SOLE NONE 3,008 0 0
NEXTERA ENERGY INC COM COM 65339F101 334 1,388 SH   SOLE NONE 1,388 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 369 7,140 SH   SOLE NONE 7,140 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 478 2,260 SH   SOLE NONE 2,260 0 0
LILLY ELI & CO COM COM 532457108 1,302 9,390 SH   SOLE NONE 9,390 0 0
AIR PRODS & CHEMS INC COM COM 009158106 1,021 5,119 SH   SOLE NONE 5,119 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 202 1,772 SH   SOLE NONE 1,772 0 0
STATE AUTO FINL CORP COM COM 855707105 1,363 49,064 SH   SOLE NONE 49,064 0 0
KEMPER CORP DEL COM COM 488401100 1,376 18,511 SH   SOLE NONE 18,511 0 0
VISA INC COM CL A COM CL A 92826C839 548 3,405 SH   SOLE NONE 3,405 0 0
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 397 2,644 SH   SOLE NONE 2,644 0 0
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 5,546 62,283 SH   SOLE NONE 62,283 0 0
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 8,223 52,485 SH   SOLE NONE 52,485 0 0
SPIRE INC COM COM 84857L101 11,187 150,210 SH   SOLE NONE 150,210 0 0
AMERICAN TOWER CORP NEW COM COM 03027X100 227 1,046 SH   SOLE NONE 1,046 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 13,846 242,023 SH   SOLE NONE 242,023 0 0
FACEBOOK INC CL A CL A 30303M102 502 3,011 SH   SOLE NONE 3,011 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 7,159 143,499 SH   SOLE NONE 143,499 0 0
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 2,747 16,832 SH   SOLE NONE 16,832 0 0
KROGER CO COM COM 501044101 305 10,152 SH   SOLE NONE 10,152 0 0
NVIDIA CORP COM COM 67066G104 325 1,236 SH   SOLE NONE 1,236 0 0
ABBVIE INC COM COM 00287Y109 326 4,291 SH   SOLE NONE 4,291 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 2,323 57,408 SH   SOLE NONE 57,408 0 0
RAYTHEON CO COM NEW COM NEW 755111507 678 5,172 SH   SOLE NONE 5,172 0 0
GENERAL DYNAMICS CORP COM COM 369550108 937 7,083 SH   SOLE NONE 7,083 0 0
MCDONALDS CORP COM COM 580135101 1,306 7,898 SH   SOLE NONE 7,898 0 0
CISCO SYS INC COM COM 17275R102 1,337 34,012 SH   SOLE NONE 34,012 0 0
AT&T INC COM COM 00206R102 392 13,456 SH   SOLE NONE 13,456 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 1,120 12,545 SH   SOLE NONE 12,545 0 0
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND NASDAQ BIOTECH 464287556 202 1,879 SH   SOLE NONE 1,879 0 0
GENERAL ELECTRIC CO COM COM 369604103 195 24,643 SH   SOLE NONE 24,643 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 256 2,616 SH   SOLE NONE 2,616 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 746 2,887 SH   SOLE NONE 2,887 0 0
UNION PAC CORP COM COM 907818108 1,024 7,262 SH   SOLE NONE 7,262 0 0
ISHARES MBS ETF MBS ETF 464288588 1,059 9,596 SH   SOLE NONE 9,596 0 0
SALESFORCE COM INC COM COM 79466L302 229 1,594 SH   SOLE NONE 1,594 0 0
THERMO FISHER SCIENTIFIC INC COM COM 883556102 247 872 SH   SOLE NONE 872 0 0
LOCKHEED MARTIN CORP COM COM 539830109 1,465 4,324 SH   SOLE NONE 4,324 0 0
JPMORGAN CHASE & CO COM COM 46625H100 450 5,002 SH   SOLE NONE 5,002 0 0
CHEVRON CORP NEW COM COM 166764100 300 4,154 SH   SOLE NONE 4,154 0 0
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 269 2,385 SH   SOLE NONE 2,385 0 0
DANAHER CORPORATION COM COM 235851102 205 1,485 SH   SOLE NONE 1,485 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 7,269 91,023 SH   SOLE NONE 91,023 0 0
WALMART INC COM COM 931142103 394 3,468 SH   SOLE NONE 3,468 0 0
INTERNATIONAL BUSINESS MACHS COM COM 459200101 282 2,546 SH   SOLE NONE 2,546 0 0
TEXAS INSTRS INC COM COM 882508104 1,043 10,443 SH   SOLE NONE 10,443 0 0
PFIZER INC COM COM 717081103 202 6,192 SH   SOLE NONE 6,192 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 558 4,522 SH   SOLE NONE 4,522 0 0
3M CO COM COM 88579Y101 1,032 7,561 SH   SOLE NONE 7,561 0 0
GILEAD SCIENCES INC COM COM 375558103 355 4,749 SH   SOLE NONE 4,749 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 711 612 SH   SOLE NONE 612 0 0
AMGEN INC COM COM 031162100 1,238 6,109 SH   SOLE NONE 6,109 0 0
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF EMRNG MKT SVRG 46138E784 224 9,380 SH   SOLE NONE 9,380 0 0
FRANKLIN RESOURCES INC COM COM 354613101 711 42,615 SH   SOLE NONE 42,615 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 12,635 109,518 SH   SOLE NONE 109,518 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 3,114 95,560 SH   SOLE NONE 95,560 0 0
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF NATL AMT MUNI 46138E537 295 11,472 SH   SOLE NONE 11,472 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 709 13,523 SH   SOLE NONE 13,523 0 0
DELTA AIR LINES INC DEL COM NEW COM NEW 247361702 409 14,360 SH   SOLE NONE 14,360 0 0
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 746 9,088 SH   SOLE NONE 9,088 0 0
BRISTOL-MYERS SQUIBB CO COM COM 110122108 287 5,165 SH   SOLE NONE 5,165 0 0
ALTRIA GROUP INC COM COM 02209S103 209 5,419 SH   SOLE NONE 5,419 0 0
DOMINION ENERGY INC COM COM 25746U109 201 2,789 SH   SOLE NONE 2,789 0 0
EXXON MOBIL CORP COM COM 30231G102 562 14,819 SH   SOLE NONE 14,819 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 405 1,624 SH   SOLE NONE 1,624 0 0
VANECK VECTORS AMT-FREE INTERMEDIATE MUNICIPAL INDEX ETF AMT FREE INT ETF 92189H201 839 17,087 SH   SOLE NONE 17,087 0 0
CROWN CASTLE INTL CORP NEW COM COM 22822V101 248 1,724 SH   SOLE NONE 1,724 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 887 16,596 SH   SOLE NONE 16,596 0 0
APPLE INC COM COM 037833100 6,010 23,637 SH   SOLE NONE 23,637 0 0
ABBOTT LABS COM COM 002824100 272 3,458 SH   SOLE NONE 3,458 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 391 4,051 SH   SOLE NONE 4,051 0 0
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 423 4,270 SH   SOLE NONE 4,270 0 0